Рокетбанк (Android / Google Play)

175x175bb123

This application is available for Android. This app is designed to have a banking service with 100% mobile bank and debit card premium MasterCard World. The latest build was released on June 8, 2017. Our latest check was performed on May 17th, 2017

Findings Summary

Our examination revealed total 26 items, where were 10 DAR items and 16 DIT items found. Among DAR items were found 0 worst items, 10 bad items, 0 good items, and 0 best items. Among DIT items were found 0 worst items, 0 bad items, 16 good items, and 0 best items.

Below you find 2 infographics summarizing what we described above. Each image provides information about both DAR and DIT items.

This slideshow requires JavaScript.


Everything presented below is related to well-known CWEs, such as Sensitive data leakage [CWE-200], Unsafe sensitive data storage [CWE-312], Unsafe sensitive data transmission [CWE-319]. You can read more about it here.

Now let’s go deeper and examine each data item’s protection level.

Application Description

Let’s cite the description of this application below:

Рокетбанк — это банковский сервис со 100% мобильным банком и дебетовая карта премиум-класса MasterCard World, которую мы выпускаем и обслуживаем абсолютно бесплатно. Скачивайте приложение, заказывайте в нем карту, и мы доставим её в любую точку Москвы, Санкт‑Петербурга, Екатеринбурга, Новосибирска, Самары, Тольятти, Казани, Нижнего Новгорода, Челябинска, Краснодара, Красноярска, Ростову-на‑Дону, Тюмени, Перми, Уфы, Саратова, Иркутска и Омска. Управляйте своими финансами, где и когда вам удобно – больше никакой бюрократии и походов в отделение банка. Весь банк – в вашем смартфоне.
Это крутое приложение и куча возможностей:

  • Бесплатные и мгновенные пополнения карты с карт других банков
  • Счета и вклады можно открывать прямо в приложении
  • Оплата тысячи сервисов, налогов, штрафов, Интернета и пополнение карты Тройка и Стрелка
  • Теги и аналитика для контроля расходов
  • Удобные переводы на карты других банков
  • Вход в приложение по отпечатку пальца (с Android 6.0 и дальше)
  • Бесконтактная оплата через Android Pay.

Выгодный тариф:

  • 7.5% годовых на остаток, которые мы выплачиваем каждый месяц
  • кешбэк до 10% с покупок в «любимых» местах и 1% со всех остальных
  • 5 бесплатных снятий наличных в любых банкоматах мира каждый месяц.

И душевный сервис:
Мы – банк с самым человеческим лицом. Наша внимательная поддержка работает прямо в приложении, в формате чата. Отвечаем быстро и всегда рады помочь 🙂
Нас любят пользователи и оценили специалисты, мы получили награды «Retail Finance Awards 2014 — Лучший розничный продукт» и «Золотой Сайт 2014 — Лучший интернет-банк».

Protection levels.

Locally stored data (Data-at-Rest, DAR).

Locally stored data groups include Analytics ‘n’ Ads Information, Credentials Information, Account Information, Address Book ‘n’ Contact Information.
The average DAR value is 3.50 points (7.00 points of system protection and 0.00 points of own protection). It equals to a typical value (3.5 points, where’s 7 points of system protection and 0 points of own protection).

Items with average value 3.50 points (7 points of system protection, 0 points of own protection) means data protection levels have following definitions. Frankly talking, extra data found that shouldn’t be accessed where system protection level means – root/jailbreak is required but not possible without wiping device data, and own protection level means – stored as is.

– Device Details (‘Analytics ‘n’ Ads Information’ Group) – Includes basic device details plus hardware key and fingerprints as well as IMEI. This data item related to mentioned group meant to be any info related to analytics services like Flurry, Google Analytics, etc. or advertisements,

– Credentials (Tokens) (‘Analytics ‘n’ Ads Information’ Group) – Different tokens used to get access to your account, except for passwords but including app or 3rd party tokens, secret keys, etc. (usually give full access to your account). This data item related to mentioned group meant to be any info related to analytics services like Flurry, Google Analytics, etc. or advertisements,

– Credentials (IDs) (‘Analytics ‘n’ Ads Information’ Group) – Only account IDs like app or 3rd party user IDs including emails, phone number, usernames, etc. (depends on apps). This data item related to mentioned group meant to be any info related to analytics services like Flurry, Google Analytics, etc. or advertisements,

– Credentials (IDs) (‘Credentials Information’ Group) – Only account IDs like app or 3rd party user IDs including emails, phone number, usernames, etc. (depends on apps). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Credentials (Tokens) (‘Credentials Information’ Group) – Different tokens used to get access to your account, except for passwords but including app or 3rd party tokens, secret keys, etc. (usually give full access to your account). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Account Data (‘Account Information’ Group) – Basic info about account like name, a list of sub-account (e.g. financial or other) and some linked data like a phone number. This data item related to mentioned group meant to be any info related to profiles, basic credential IDs like email or username or phone number plus some more info depends on applications,

– Contact Short Profile (‘Address Book ‘n’ Contact Information’ Group) – Name, Email ID, Phone number of contacts. This data item related to mentioned group meant to be info locally stored, cached or transferred over the network and belong to this application if it’s social even,

– URLs (‘Address Book ‘n’ Contact Information’ Group) – Different types of URLs referred to your files stored in clouds, profiles, social accounts, media files available online, etc. This data item related to mentioned group meant to be info locally stored, cached or transferred over the network and belong to this application if it’s social even,

– Tracked Data ‘n’ Favorites (‘Address Book ‘n’ Contact Information’ Group) – Any favorites data or tracked data marked as desirable by users and for users (Means, user is on FB messenger, Viber, bank client or favourite hotel, room type, flight route, airline). This data item related to mentioned group meant to be info locally stored, cached or transferred over the network and belong to this application if it’s social even,

– Application Configs (‘Analytics ‘n’ Ads Information’ Group) – Different configuration files created by your app, perhaps app permissions. This data item related to mentioned group meant to be any info related to analytics services like Flurry, Google Analytics, etc. or advertisements

Keep in mind if you’re using some Android devices such Samsung, LG or another device with an unlocked or non-locked loader that allow rooting your device without user action, the system level equals 6 points instead of 7. It means your data can be stolen without involving your actions.

Transferred data (Data-in-Transit, DIT).

Transferred data groups include Credentials Information, Account Information, Message Information, Payment ‘n’ Transaction Information, Loyalty Information, Address Book ‘n’ Contact Information, Financial Information.
The average DIT value is 5.00 points (6.00 points of system protection and 4.00 points of own protection). It is higher than a typical value (4 points, where’s 4 points of system protection and 4 points of own protection).

Items with average value 5.00 points (6 points of system protection, 4 points of own protection) means data protection levels have following definitions. Frankly talking, data is not available all the time or partially accessed where system protection level means – MITM prevented or fake certificate importing prevented, but plaintext non-protected traffic is intercepted, and own protection level means – bypassed by fake/stolen root certificates.

– Credentials (IDs) (‘Credentials Information’ Group) – Only account IDs like app or 3rd party user IDs including emails, phone number, usernames, etc. (depends on apps). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Credentials (Activation IDs) (‘Credentials Information’ Group) – Two-factor activation code received in messages. This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Credentials (Tokens) (‘Credentials Information’ Group) – Different tokens used to get access to your account, except for passwords but including app or 3rd party tokens, secret keys, etc. (usually give full access to your account). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.,

– Account Data (‘Account Information’ Group) – Basic info about account like name, a list of sub-account (e.g. financial or other) and some linked data like a phone number. This data item related to mentioned group meant to be any info related to profiles, basic credential IDs like email or username or phone number plus some more info depends on applications,

– Messages (‘Message Information’ Group) – Different types of messages, conversations, except for SMS, MMS but including recipient and sender IDs and attachments. This data item related to mentioned group meant to be all message, including SMS, MMS, social and IM messages with or without attachments,

– Card Short Information (‘Payment ‘n’ Transaction Information’ Group) – Some info about card holder, card number full or short) and expiration. This data item related to mentioned group meant to be details about transactions and payment data involved into transaction records,

– Transaction History (‘Payment ‘n’ Transaction Information’ Group) – Some info about transactions were made like ID, date and time, and amount of payment. This data item related to mentioned group meant to be details about transactions and payment data involved into transaction records,

– Card Short Number (‘Payment ‘n’ Transaction Information’ Group) – Several digits of your card from 4 to 6 first digits and from 6 to 4 last digits. This data item related to mentioned group meant to be details about transactions and payment data involved into transaction records,

– Stream (‘Loyalty Information’ Group) – Any social or another stream activity including posts, walls, etc. This data item related to mentioned group meant to be any information related to known reward programs like membership, current rewards, etc.,

– Contact Short Profile (‘Message Information’ Group) – Name, Email ID, Phone number of contacts. This data item related to mentioned group meant to be all message, including SMS, MMS, social and IM messages with or without attachments,

– Contact Short Profile (‘Address Book ‘n’ Contact Information’ Group) – Name, Email ID, Phone number of contacts. This data item related to mentioned group meant to be info locally stored, cached or transferred over the network and belong to this application if it’s social even,

– Account Data (‘Financial Information’ Group) – Basic info about account like name, a list of sub-account (e.g. financial or other) and some linked data like a phone number. This data item related to mentioned group meant to be any info that describe payments capabilities,

– Card Full Information (‘Payment ‘n’ Transaction Information’ Group) – All details about card include short info, holder address, bank info and CVC, CVV, CVV2. This data item related to mentioned group meant to be details about transactions and payment data involved into transaction records,

– Media Data (‘Address Book ‘n’ Contact Information’ Group) – Any info like images, audios, videos, media notes, etc. This data item related to mentioned group meant to be info locally stored, cached or transferred over the network and belong to this application if it’s social even,

– URLs (‘Address Book ‘n’ Contact Information’ Group) – Different types of URLs referred to your files stored in clouds, profiles, social accounts, media files available online, etc. This data item related to mentioned group meant to be info locally stored, cached or transferred over the network and belong to this application if it’s social even,

– Credentials (Passwords) (‘Credentials Information’ Group) – Well-known passwords or PINs you’re using to get access to your account (usually it is worse than tokens because it gives full access to your account). This data item related to mentioned group meant to be any types of credentials including basic (IDs only), passwords, tokens, etc.

Keep in mind if you’re using out-of-date Android < 7.0, the system level equals 4 points instead of 6. It means your data can be stolen with a crafted preinstalled certificate on the device or if someone makes you install a certificate. Also, if you’re using out-of-date Android < 5.0, the system level equals 2 points instead of 4. It means your data can be stolen without involving your actions.

Privacy Policy

Full application privacy policy is available here.

You may find privacy policy details proceeding the link above to compare developer’s vision on data protection with our results.
Privacy policy published in Russian, so we put below Google-Translated edition (https://rocketbank.ru/open-rules#privacy)
Terms of personal data
The client by entering their personal data in the Maps application to open, giving the Contractor and the Bank and third parties consent to the processing of Customer’s personal data specified in the application, by all means, in accordance with the requirements of the Federal Law dated 27.07.2006 в„–152- FZ “on personal data”, namely, the processing (collection, recording, systematization, accumulation, storage, clarification (update, modification), extraction, use, distribute, transmit (including cross-border transfer), depersonalization, blocking, removal and destruction ) personal data with the use of automation, as well as the processing of personal data carried out with or without the use of automation. Consent to the processing of Customer’s personal data given to the latter:
in respect of any information relating to the Customer directly or indirectly, including: name, surname, patronymic; the data of the identity document; year, month, date and place of birth; citizenship, address, family, social, property status, education, occupation, income, and other information provided by the Client for the conclusion of the agreement or the period of validity contained in the statements, letters, agreements and other documents;
for the purposes of promoting the services of the Contractor and the Bank, the joint services of the Contractor, the Bank and partners, products (goods, works, services) Partners;
As a performer, the Bank and Partners, who as a result of the processing of personal data, assignment, sale, transfer, pledge or otherwise encumbered in whole or in part the rights of claim under the Contract received personal data of the Customer, become owners in respect of these rights, agents and authorized persons Contractor, the Bank and Partners, as well as companies (in the volume of the surname, first name, address and telephone number), carrying out a mailing list at the request of the Contractor and the Bank
List of third parties in respect of which the Client gives consent to the processing of their personal data in order to promote the Contractor’s services, shared services executor and third party products (goods, works, services) of third parties, of the mailings at the request of the Bank, as well as the loan servicing Open Joint Stock company “Brokerage house” Opening “, location: 115114, Moscow, ul. Letnikovskaya, 2, p. 4.; Limited Liability Company “Management Company” OTKRITIE “, location: 115114, Moscow, ul. Letnikovskaya, d 10, p. 4.; Open Joint Stock Company “Discovery Holding”, location: 115114, Moscow, ul. Letnikovskaya, 2, p. 4.; Limited Liability Company “Debt Center” open “location 105064, Moscow, Yakovoapostolsky Pereulok 12, page 1.; Open Joint Stock Company “Open INSURANCE”, location: 115114, Moscow, 1st Derbenevsky pereulok 5 Bldg. 2; Closed Joint Stock Company “ACCORD POST”, the location 113452, Moscow, ul. Azov, 31.; FSUE “Mail of Russia”, the location 131000, Moscow, Warsaw highway, 37.; Public Joint Stock Company Bank “OTKRITIE Financial Corporation” Location: 115114, Moscow, ul. Letnikovskaya, 2, p. 4.; Closed Joint Stock Company Bank “RUSSLAVBANK” Location 119049, Moscow, ul. Don, 14, p. 2; Limited Liability Company “MigKredit” Location 127018 Moscow, Suschevsky Val, 5, p 3.; Open Joint Stock Company “Megafon”, location: 115035, Moscow, Kadashevskaya Naberezhnaya, d.30, Limited Liability Company Non-bank credit organization “Slow motion”, the location 125315, Moscow, ul. Usievicha, d.20, block 2; Limited Liability Company “LICARD” location 400131, Volgograd Region., Volgograd, st. Communist, 13a, Limited Liability Company “Compass Plus” address of the location:. 455044 Magnitogorsk, Lenina, 68, Limited Liability Company “Loyalty Partners Vostok”, the location 105318, Moscow, Semenovskaya area,. 1A
The said agreement is valid until the Contractor receives the Customer’s written application to revoke consent to the processing of personal data in writing. Termination of the Agreement does not terminate the agreement
Addendum about security and protection published(also in Russian) https://rocketbank.ru/security
How do we work with your data
Site
When you visit a website Roketbanka, you get to a page with a secure network connection TLS 1.2 protocol. We have a SSL certificate issued by thawte EV SSL CA – G3 encryption key of 256 bits
It is necessary for maximum protection from fraud and phishing. All links on this page can be fully trusted, and evenyou can safely leave your details
processes
Within our system of governance is based on class levels: every employee has a level of access to data and only receives the right to carry out its specific tasks information
For employees working with your data in Roketbanka use multifactor authentication and cloud technologies
All our cards are issued in compliance with PCI DSS (Payment Card Industry Data Security Standart). MasterCard World Card secured MasterCard SecureCode technology for secure online shopping using generated 3d secure code (the same that we ask you to enter it each time to confirm that you really want to make a purchase)
All the operations that you carry out in the annex, signed not only by your password, and a unique token, which we assign to your smartphone
Therefore, even if someone learns your password, he would never be able to see even your tape operations with another smartphone
The card brings you a bank employee, who passed the test of the bank security. He bears full legal responsibility for your data
You go in the application with a password, which can be restored by just knowing your codeword and passport data. By the way, for the iPhone Touch ID technology can be put into the application input your fingerprint, which we recommend to do 🙂
You call us, and we then identify you help with your problem (all the calls we will record and store)